What will happen to my credit file if I need an emergency payment freeze/to reduce my payments?

If we’ve agreed a payment break with you then this will not have a negative impact on your credit file, however, if you don’t start payments when they are due after the break or if you had pre-existing arrears, then this could affect your credit score.

You can also add a note to your credit file called a ‘notice of correction’ if you want to explain your current situation or make any corrections to entries you believe are wrong.

You can contact Experian on 0344 481 0800, Equifax on 0800 0850 650, or Transunion on 0330 024 7574.

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